Credit card transfer partners: Guide to transferring points and miles to airlines and hotels
Editor's Note
We love transferable credit card points and miles here at TPG.
The ability to transfer your rewards to a wide range of airline and hotel loyalty programs provides valuable flexibility to maximize your travel. You’re not locked into a single redemption scheme as you plan your trips. If you can’t find the seats available in one program, you can choose another program before transferring any credit card points or miles. If a program devalues its currency without notice, you can switch to a different program for your next points or miles transfer.
With dozens of different transfer possibilities, it can be difficult to remember just how many options you have.
Here’s a handy guide that breaks down which credit card points and miles you can transfer to which airline and hotel programs, along with their respective transfer ratios. We also list our valuation for each transfer partner so you can get the best value to maximize your hard-earned points and miles.
Airline transfer partners
| Transfer partner | TPG valuation (November 2025) | American Express Membership Rewards | Bilt Rewards | Capital One miles | Chase Ultimate Rewards | Citi ThankYou Rewards* | Wells Fargo Rewards |
|---|---|---|---|---|---|---|---|
Aer Lingus AerClub (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
Aeromexico Rewards | 0.8 cents | 1:1.6 | 1:1 | 1:1 | |||
1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | |||
1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | |
1.65 cents | 1:1 | ||||||
1.4 cents | 1:1 | ||||||
1.55 cents | 1:1 | ||||||
1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | ||
British Airways Club (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | 1:1 | |
1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | |||
1.25 cents | 1:1 | ||||||
1.2 cents | 5:4 | 1:1 | 1:1 | 5:4 | |||
1.2 cents | 1:1 | 1:1 | 1:1 | 1:1 | |||
EVA Air Infinity MileageLands | Not valued | 2:1.5 | 1:1 | ||||
Finnair Plus (Avios) | 1.4 cents | 1:1 | |||||
Frontier Miles | 1.25 cents | ||||||
Iberia Club (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
Not valued | 1:1 | 2:1.5 | |||||
1.45 cents | 250:200 | 5:3 | 1:1 | 1:1 | 1:1 | ||
1.3 cents | 1:1 | 1:1 | 1:1 | ||||
Qatar Airways Privilege Club (Avios) | 1.4 cents | 1:1 | 1:1 | 1:1 | 1:1 | ||
1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | |||
1.4 cents | 1:1 | 1:1 | |||||
Not valued | 1:1 | 1:1 | |||||
Thai Airways Royal Orchid Plus | Not valued | 1:1 | |||||
1.2 cents | 1:1 | 1:1 | 1:1 | ||||
1.4 cents | 1:1 | 1:1 | |||||
1.3 cents | 1:1 | 1:1 | 1:1 | 1:1 | |||
Virgin Red (airlines and hotels) | 1.3 cents (Virgin Atlantic Flying Club points valuation) | 1:1 | 1:1 | 1:1 | 1:1 | ||
Total airline transfer partners | 17 | 17 (including Virgin Red) | 15-plus | 10 | 16 (including Virgin Red) | 8 (including Virgin Red) |
*You can transfer Citi ThankYou Rewards points at a 1:1 ratio with certain Citi cards — the Citi Prestige® Card, Citi Strata Elite℠ Card (see rates and fees) and Citi Strata Premier® Card (see rates and fees). Rewards with other Citi cards transfer at a 1:0.7 ratio.
The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
There are a few important notes to highlight regarding these transfer partners:
- Many transfers are instantaneous, though you should check out our guides to transfer times for American Express, Bilt, Capital One, Chase and Wells Fargo for more details.
- You can transfer Avios between Aer Lingus AerClub, British Airways Club, Finnair Plus, Iberia Club and Qatar Airways Privilege Club accounts in any direction at a 1:1 ratio.
- Programs occasionally offer transfer bonuses, which we highlight in our frequently updated guide to transfer bonuses.
Finally, except for EVA Air Infinity MileageLands and Finnair Plus, you can transfer Marriott Bonvoy points to all airline partners listed above at a rate of 3 Bonvoy points to 1 airline point or mile. You will receive an additional 5,000 airline points or miles for every 60,000 Bonvoy points transferred, except with the following airline programs: American Airlines AAdvantage, Avianca LifeMiles and Delta SkyMiles. Additionally, United MileagePlus awards 10,000 bonus miles for every 60,000 points transferred.
Related: Should you transfer hotel points to airline partners?
Hotel transfer partners
| Loyalty program | TPG valuation (November 2025) | American Express Membership Rewards | Bilt Rewards | Capital One miles | Chase Ultimate Rewards | Citi ThankYou Rewards | Wells Fargo Rewards |
|---|---|---|---|---|---|---|---|
2.0 cents | 3:2 | 2:1 | 2:1 | ||||
0.6 cents | |||||||
0.6 cents | 1:1 | 1:1 | 1:2 | 1:2 | |||
0.5 cents | 1:2 | 1:1 | |||||
0.5 cents | 1:1 | 1:1 | |||||
I Prefer Hotel Rewards | Not valued | 1:2 | 1:4 | ||||
Not valued | 5:1 | ||||||
0.7 cents | 1:1 | 1:1 | 1:1 | ||||
1.7 cents | 1:1 | 1:1 | |||||
1.1 cents | 1:1 | 1:1 | |||||
Total hotel transfer partners | 3 | 5 | 4 | 3 | 5 | 1 |
As with transfers to airline partners, most transfers to hotel partners are instantaneous, though you can read more in our previously mentioned guides to transfer times for Amex, Bilt, Capital One, Chase, Citi and Wells Fargo.
Related: Why you should master a few credit card transfer partners, and (most likely) leave the rest behind
How to earn transferable points or miles
The best way to earn transferable credit card points or miles is with the right credit card. Here’s a look at your best options.
American Express Membership Rewards
These are the most popular cards that earn American Express Membership Rewards points:
- American Express Platinum Card®
- The Business Platinum Card® from American Express
- American Express® Gold Card
- American Express® Business Gold Card
You can also earn Amex points by signing up for Rakuten and setting your earning preference to Membership Rewards points instead of cash back.
Bilt Rewards
Bilt offers one credit card, the Bilt Mastercard®. Cardmembers can earn rewards on rent payments (up to 100,000 Bilt Points in a calendar year), plus 2 points per dollar spent on travel (airfare, hotels, cruises and rental cars) and 3 points per dollar spent on dining.
You must complete at least five transactions per statement period to earn points. Best of all, the Bilt Mastercard has no annual fee.
The information for the Bilt Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Capital One miles
Here are the cards that currently earn transferable Capital One miles:
- Capital One Venture Rewards Credit Card
- Capital One Venture X Business
- Capital One Venture X Rewards Credit Card
- Capital One VentureOne Rewards Credit Card
- Capital One Spark Miles for Business
- Capital One Spark Miles Select for Business
The information for the Capital One Spark Miles Select for Business card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Chase Ultimate Rewards
Here are the cards that earn fully transferable Chase Ultimate Rewards points:
- Chase Sapphire Preferred® Card (see rates and fees)
- Chase Sapphire Reserve® (see rates and fees)
- Chase Sapphire Reserve for Business℠ (see rates and fees)
- Ink Business Preferred® Credit Card
However, if you have one of these cards, you can also combine your rewards from cash-back cards like the Chase Freedom Flex® (see rates and fees) and the Chase Freedom Unlimited® (see rates and fees) in a single account, effectively converting those cash-back earnings into fully transferable Ultimate Rewards points.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Citi ThankYou Rewards
Citi ThankYou Rewards has 21 airline and hotel transfer partners, plus one retail partnership with Shop Your Way. If you hold the Citi Prestige, Strata Elite or Strata Premier, you can leverage these partners at their full transfer ratios.
However, as with Chase Ultimate Rewards points, you can combine your Citi ThankYou Rewards points in a single account for select products. This unlocks the full transfer ratios. If you transfer from one of these cards without holding a premium Citi card, you'll get a 1:0.7 transfer ratio:
- Citi Custom Cash® Card
- Citi Double Cash® Card (see rates and fees)
- Citi Strata℠ Card (see rates and fees)
The information for the Citi Custom Cash Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wells Fargo Rewards
Though Wells Fargo offers multiple credit cards, including several that earn cash rewards, you can currently only earn transferable Wells Fargo Rewards points with the following cards:
- Wells Fargo Autograph Journey℠ Card (see rates and fees)
- Wells Fargo Autograph® Card (see rates and fees)
Related: How to choose the best credit card for you
Bottom line
Many transfer options are available among the major credit card loyalty programs. Transferable points and miles are generally more valuable than any single airline or hotel point or mile because they give you the added flexibility to choose where to send your rewards — and when to do it.
Bookmark this cheat sheet so you know your options when applying for your next transferable points- or miles-earning credit card or deciding on your next redemption.
Related: These apps and websites make award redemptions easier to find
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.